Tuesday, March 2, 2010

More flippin' lists!

Thanks to dear Uncle Sammy, I'm moving along on funding everything for the year!
Anna's Teeth $1500
B-days $500
All other holidays $350
Car Stickers $300
WI Fee $65
taxes $25
glasses & contacts $700
Dr.ER&Dentist $200
Vet fund $125
garage door $750
flowers & garden $200
Pool fund $250
registration $200
school supplies $200
pictures $100
kids graduation $200
car fund $800
house fund $200
4th July $75
hair cuts $100
clothes $125
Thanksgiving $100
Xmas $1700

Total left for the year-$3800.

We have about $400 coming from state but we are still $300 short for the year. I think I can close the gap and maybe trim a little off of the list. So this plan should work as long as we have no other problems! I'm so funny.
We wrote the first of many checks to EIU. So my guess is, my little plan isn't going to work. And we are going to be really short after paying for all of the little extras that she is going to need. We have been pretty frugal and have started collecting things for her. Anna's cousin gave her everything from her dorm room. So we won't have to buy a frig, microwave, tv and hook ups, storage bins. I couldn't stop thanking her. I'm sure though that I will be back here to complain when she starts school. Anna is doing pretty well saving her money from her birthday, Christmas, and cleaning and she has almost enough to pay for her car insurance for the year already. It's not fair that she will have to pay for her car insurance while she is gone but we can't afford it. We talked about selling the car but she wants to keep it because after her freshman year she can bring a car to school. I'm just not real jazzed on the idea of her being on the road in that old car. I did talk to the insurance agent and he said that she will get a large discount because she will be an absentee driver. So that should help. I'll keep you posted!
Thanks for stopping by,


The warrior in me said...

Wow- i swear i never knew parents had that kind of an expense list ready a year in advance- what planning! I'm learning a few things here.

You guys actually plan for the garden and haircuts too? I'm absorbing like a sponge. VERY SMART indeed!

p.s. i see how expensive the dentist is. Hmmmmm.

SonyaAnn said...

The warrior in me-I'm on the OCD side of things. Or anal if you please. That said, it is so much easier now. We were always behind and struggling and it was because the things on this list caught us off guard and then we had to charge it. By doing this we don't have a credit card balance. And that makes life a hell of a lot cheaper!
Thanks for coming to see me!

McVal said...

No kidding on expenses that catch us off guard!
Is the pool fund for a pool pass or do you have a pool? Can we spend our summer vacation with you guys?

A.Marie said...

I do the same thing...I even budget $10 a month for Triple A insurance so I have the amount I need at the renewal time! I do think we seriously must be related..I am sorta OCD/Anal also! :)

SonyaAnn said...

McVal-That list was what got us back on track financially. When I made the list for the first time and realized how much more I needed I felt sick. But it has really helped to keep us out of credit card debt. We still charge everything but we pay it off and earn points.
And we have a pool and I would love to have you over to swim. Just think of all the trouble we could get in. It's fun just to drink and watch the kids do tricks.

SonyaAnn said...

A.Marie- I think you are my good twin. And it helps so much when you have the money waiting for you in the bank.
And YAY I got you to say anal! ;)

Frances said...

SonyaAnn, congrats on having some much funded. You are SO organized!

Don't feel bad about Anna having to pay for her car insurance. She is choosing to keep the car, even though she can't have it on campus the first year, so her paying the insurance is HER choice.

You already are doing more for her than we have done for Sam, money wise. We NEVER wrote a check to U of H. When she was low on aid, she just had to work harder. (Well, except for that one time. LOL!)

SonyaAnn said...

Frances-I'm glad that one of use thinks I'm organized. Sometimes it doesn't feel like it.
I can't help but feel a smidge guilt for Anna having to pay for something that we will use.
And you were very lucky that Sam was so responsible. I just hope that Anna does as well.
And I've been stocking up on things for college for her. And I put the word out and I've been getting little things here and there for free from people. My sister just gave her 2 plastic bins for school. SO I'm hoping that we won't have to buy much!

Frances said...

Oh, sweetie, Samantha was not always that responsible.

I paid my way through college and felt like if Samantha wanted to go bad enough, she would find a way. Besides, when she did lose some of her aid a couple of semesters it was her own fault because she screwed up. We were not going to reward her screw ups. She had to work.

Seriously, she took one summer off, because she "needed a break." That is not very responsible for a college student.

SonyaAnn said...

Frances- Yes, but you soooo don't know how bad Anna can be. That I'll get to it when I get to it mentality. When I was 17 my grandmother died, so I basically was on my own. That was rough. Anna said once that she would never have made it. And I think that is part of the problem, I didn't want my kids to know the suffering that I did. SO I made it easy on them and that leads to being a bit irresponsible. Den keeps saying that she will figure it out. I told her she better make it or she isn't coming back. This is a gift and she better not screw it up. And I mean it, I won't take her in if she blows this.

Frances said...

I think Anna will be fine. But don't say you won't take her back if she screws up unless you really mean it.

Hubby and I are in the middle of a big feud with his side of the family because we are not going to help support Meredith, and her two boys, who decided that she didn't want to be married anymore and moved out before figuring if she could really afford it.

Hubby told our kids years ago that he would not raise THEIR kids, so they better think carefully about having them.

Some family members think you are horrible when you won't bail your grown up kids out. Be prepared for that. It ain't pretty.

SonyaAnn said...

Frances-I mean it with Anna. I very rarely put the smack down but I never back off it when I do.
I'm so sorry about Meredith. That is a huge mess! I figured that it wasn't over but I didn't want to ask. I would try and help her by working out a budget for her. But I understand about not bailing them out. I bet everyone has an opinion and are nit picking each other especially his sister(?) the drinker.
Well, I love you lots!

Frances said...

Oh, SonyAnn, I forgot that I had discussed my in-laws before. I guess I had better go read what I wrote.

That stuff is still going on a bit. MIL is sending Mere money to help with daycare. I explained to MIL that Hubby and I spent about $2000 so far this year for medical and we don't have the money to send Meredith.

(Really, we could manage to give her money, but I found out that Mere got a new tv, cable hooked up, and is planning a trip to Vegas with friends in June. Excuse me! I don't think she needs MY money.)

Frances said...

Oh, yeah, and you can always ask me anything! It might give me an idea for a post.

slugmama said...

Can you pull Anna's car off the road...basically ground the car for a yr. so she doesn't have to pay insurance and state registration fees on it?
As long as your town doesn't have an ordinance against having a 'junked' car on your property and you have a place for it this might be the most cost effective move.

I think yanking off the tires and putting it up on cement blocks is optional....lol

I am loving the lists! And if it keeps you motivated and on course, keep on truckin with the list!!!
Frugal Smooches, me

slugmama said...

SonyaAnn wrote..."When I was 17 my grandmother died, so I basically was on my own. That was rough."

Now I KNOW we are siamese twins separated at birth!
My family fell apart when I was 15 and I basically was on my own until I left for college at 18.

My kids just don't know how GOOD they have it as teens, not having to worry about if they will be able to find something to eat today or if the power company will shut off the electricity tomorrow b/c their deadbeat father didn't FEEL like paying the electric bill.
Maybe that's why I am so frugal.....and so fat!?lolol

Beth said...

Don't you love it when a plan comes together? Yea for Anna for being such a good saver. I never was :(

Check out my blog. I've three new posts that explain my custody BS a little better (I think).

SonyaAnn said...

Beth-You were at my blog while I was reading yours!!!

Chatty Girl said...

Wow, great blog you have. I am working on my blog design, so thank you again!

SonyaAnn said...

Chatty Girl-You are welcome. And thanks for coming to see me!

SonyaAnn said...

Frances-OMG, no I wouldn't help her either if she was going to Vegas. It would be one thing if she was homeless. Then you kick in and help but if she can afford cable, well.......

SonyaAnn said...


SonyaAnn said...

slugmama-I said that to Den. And he said that if it isn't being driven then 1.) why keep it and 2.) it causes more problems when they just sit there. He said the worst thing you can do is just park it. He works on cars so I guess I'll listen to him. Maybe;)

SonyaAnn said...

slugmama-We are sisters!!!
And our kids can never understand how lucky they are. My MIL and I had very similar childhoods and our children were spoiled compared to us. But what is the alternative, ruin your kids lives. In a way, they will never be as tough as us!

carma said...

if only you could do without the garage door! (I kid) - I admire your thoroughness!!

SonyaAnn said...

carma-There are so many things that I would love to cut from this list!
Thank you for coming to see me!